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The Retirement Money Machine

Some hard facts and plain truths about retirement money.  It isn’t just about how much, it is also about how long.

Having done some homework for your retirement planning you are probably familiar with the following information:

1.     Due to increasing longevity, and depending on the age when you retire, you are most likely facing 20 to 30 years of retirement living…several decades of life and several decades of investing.
2.     Taking around 5% of your nest egg annually is considered a “safe” withdrawal rate…that is a PRE TAX rate.
3.     You have to figure on an average cost of living increase of 3% per year…meaning that in about 14 years your income will have to be 50% higher than when you started and  in about 23 years your retirement starting income will have to be  increased by 100%  (DOUBLED) for you to keep pace with the increasing cost of living
 
WHAT DOES IT ALL MEAN?

Assuming that you stick to the “safe” withdrawal  rate of 5% annually from your nest egg and assuming that you want to stay at least even with the assumed 3% rate of inflation, that means, to AVOID OUTLIVING YOUR MONEY, you will have to realize an annual investment rate of return right around 8% per year!! (5% withdrawal plus 3% cost of living).

Even given reasonable economic conditions you will not be able to sustain an 8% annual rate of return in principal guaranteed fixed investments. Therefore,

TO MAXIMIZE THE PROBABILITY OF LONG TERM FINANCIAL SUCCESS YOU WILL HAVE TO INVEST A GOOD PORTION OF YOUR MONEY IN THE STOCK MARKET, LIKE IT OR NOT.

YOU WILL NEED TO SET UP AND MANAGE (OR HAVE MANAGED FOR YOU)

YOUR RETIREMENT MONEY MACHINE

The good news is that all the components for your Retirement Money Machine have been designed for you by Nobel Prize winning financial economists and America’s leading investment research professionals. As a Sacramento Financial Advisor, I encourage you to take a closer look at the Retirement Money Machine and the team behind the machine.

Click on the next tab to meet the team of award winning financial economists whose research goes into building your Personal Retirement Money Machine.

Investing in the stock market has risks, including loss of principal risk. Before investing, be sure to get all the facts surrounding your planned investment. This is not an offer to sell you securities. To do so you must first receive a copy of our ADV Part II Brochure as well as prospectus’ for each investment under consideration. Past results are no guarantee of future returns.